Port communication什么是银行存管 银行存管的好处 存管银行，是指按照《证券法》的
Require
，接受券商及其客户的委托，提供客户证券交易保证金存管服务的商业银行。银行存管是由银行管理资金，平台管理交易，做到资金与交易的分离，使得平台无法直接接触资金，避免客户资金被直接挪用。下面港信通-在这里为大家详细介绍一下什么是银行存管？
银行存管有哪些好处。 银行存管的三种模式 目前，There are three models for bank and online loan platform cooperation in fund custody.，They are bank direct connection、Direct deposit and joint deposit。 ①银行直连?It refers to the P2P online loan platform opening a payment settlement channel directly with the bank.,Investors do not need to deposit or withdraw funds。When the loan period expires，Repayments are directly transferred to the investor's account through the bank，It is equivalent to the two parties conducting online transactions directly through the bank.。
②直接存管?Compared with the first storage model, this storage model，In terms of form, there are two more steps for recharging and withdrawing money.；There are more platform depository accounts in terms of number of accounts.，If necessary, there is also a risk reserve account，third party guarantee account。Depository banks generally open separate personal accounts for both investors and financing parties and then recharge them.、Supervision of payment settlement and capital flow such as cash withdrawals。
③“银行 支付公司”联合存管?In joint custody mode，generally
Require
A third-party payment institution or P2P online loan platform opens a depository account at a depository bank，And complete the recharge according to the relevant instructions issued by the platform、invest、Withdrawal and other functions，The bank regulates the flow of funds。
银行存管对用户好处 1.资金安全隔离 投资更放心 用户在存管银行有专门的独立存管子帐户，有效实现平台资金和用户资金隔离由存管银行对资金进行管理与监督，平台无法触碰用户资金。
2.用户授权操作 资金交易真实透明 用户需要单独设立交易密码保障账户安全，账户信息由存管银行管理，银行划拨用户资金必须通过用户的授权操作指令，银行根据合同约定及用户发出的交易指令，对交易流程进行管理并记录用户资金流水，交易真实可查，真实透明更安心。
3.监管硬标准 ?合规更安心 银行存管上线后，挪用资金、设立资金池、卷款跑路等危害用户资金安全的行为将受到强力监管，合规更安心。 bank depositary
Advantages
安全 平台有了银行资金存管，Only those who meet the "Interim Measures"
Require
，Be legal and compliant，对于客户资金安全也更有保障。
对投资人来说，P2P平台与银行合作之后，平台是无法挪用用户资金的，操作更便捷、较大程度保障了用户资金的安全。 If you still don’t understand anything about the above content, you can consult Hong Kong Information Communication-。
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